Loan Programs

Property Types We Lend On

From single-family rentals to small multifamily, condos, and short-term rentals.

Max LTV70%
Min DSCR1.25
Reserves6 mo
Terms15/20/25/30 yr
Loan band$100,000–$750,000
StatesAll 50

What we lend on, against the 70% LTV / 1.25 DSCR baseline. Restricted types are never an automatic no — they get a conversation.

Property typeGuideline
Single Family RentalCore product, full terms
Multifamily (2–4 + small multi)Eligible, full terms
Warrantable CondoEligible; non-warrantable conditional
Short-Term RentalEligible with documented income
Mixed UseConditional on residential/commercial split
CommercialCase by case
LandRestricted — limited programs
AgriculturalRestricted — limited programs

How property type affects your terms

Core residential investment types — single-family rentals and small multifamily — get our full terms. Condos depend on warrantability; short-term rentals are eligible when income is documented. Mixed-use and commercial are reviewed case by case, and restricted types like land and agricultural have limited programs but are still worth a call. See what qualifies in detail →

Check your property type

See how a property type lines up against our 70% LTV / 1.25 DSCR baseline -- from single-family to commercial and land.

Not every property fits a non-recourse loan the same way. This checker tells you, by property type, how a deal generally lines up against our 70% LTV / 1.25 DSCR baseline -- and where a type is restricted or conditional.

It is the fastest way to know whether a single-family rental, a 2-4 unit, a short-term rental, mixed use, commercial, land, or agricultural property is a clean fit or a conversation worth having.

What we lend on, against our 70% LTV / 1.25 DSCR baseline. Restricted types still get a conversation.

We will remember your info on this device to save you time. Not you? Clear my info

How it works

  1. Choose the property type you are evaluating.
  2. Check the property against our baseline.
  3. Read the type-specific guidance -- core, conditional, or restricted.
  4. Apply to confirm specifics with a loan officer.

Why it matters

Property type drives both eligibility and pricing in non-recourse lending. Core types like single-family and small multifamily move quickly at standard terms; short-term rentals, mixed use, and commercial carry extra documentation or tighter leverage; land and agricultural are restricted to limited programs.

Knowing the lane up front keeps your offer realistic and avoids surprises in underwriting -- especially when a retirement account is the borrower and the asset is the lender's only recourse.

How to read your result

Qualifies means the type sits inside our standard lane at the 70% LTV / 1.25 DSCR baseline. Conditional means it is lendable but depends on specifics -- income documentation, the residential / commercial split, or program fit.

Restricted (land, agricultural) means limited programs apply, not that the door is closed. Every type routes to a specialist because exceptions and program nuances are decided file by file. This is general guidance, not a commitment to lend.

Keep going

Frequently asked questions

What property types qualify most easily?
Single-family rentals and small multifamily (2-4 units) are core products at our standard 70% LTV / 1.25 DSCR terms.
Can I finance a short-term rental?
Often yes, with documented income. Leverage may be tightened depending on the market and the rental history.
Are land or agricultural properties eligible?
They are restricted to limited programs rather than flatly excluded -- a specialist can tell you what is possible.
How are mixed-use properties handled?
Case by case, based on the residential-versus-commercial split and income. The checker marks them conditional.
Does property type affect my rate or LTV?
Yes. Non-core and conditional types can carry tighter leverage or pricing; your officer confirms terms for your specific property.
Ready to put real numbers in front of a specialist? Every result here routes to a human review -- borderline files included.
Run the tool Start My Inquiry

Estimates only -- not a commitment to lend; subject to full underwriting.

Frequently asked questions

Do you lend on short-term rentals?

Yes, short-term rentals are eligible when income is documented. LTV may be tightened depending on the property and market.

What about land or agricultural property?

Those are restricted with limited programs, but never an automatic no. A specialist can discuss options for your specific deal.

Do you finance condos?

Warrantable condos are eligible with full terms; non-warrantable condos are considered conditionally.

Ready to see where you stand?

Estimates and guidelines only — not a commitment to lend; all loans subject to full underwriting. Business-purpose / investment-property financing only. Educational information, not legal or tax advice.

Check Eligibility Run Property Scenario Start My Inquiry Portal Login